Car Insurance in Detroit
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Car Insurance in Detroit, MI
They don't call it the Motor City for nothing. If you want to compare car insurance quotes in Detroit, familiarize yourself with driving in Detroit, Michigan's largest city.
Detroit is home to around 640,000 residents, many of them drivers. Obviously, car coverage is a top concern. Driving in Detroit is a must, as it's the birthplace of the American automotive industry, with giants like Ford, General Motors, and Chrysler originating here. Making sure you've got adequate car coverage in Detroit should be a top concern for anyone who gets around in a private vehicle.
But its manufacturing legacy isn't its only claim to fame. Detroit is famous for its rich musical heritage, having birthed the Motown Sound. It also boasts grand architecture, from the storied Fox Theatre to the unique and finely detailed Guardian Building.
Looking to understand your likely car insurance costs in Detroit? Keep reading for more information.
How much is car insurance in Detroit, MI?
The total cost of car insurance in Detroit can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Detroit?
Determining and sorting the insurance costs for each possible car make, model, and year in the city is an intricate process. Nevertheless, if you are interested in newer vehicles known for their lower insurance rates, here are the top 10 most economical car makes and models to consider in Detroit:
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $517 |
2 | Dodge Grand Caravan | $523 |
3 | Ford Fusion | $550 |
4 | Honda Cr-V | $555 |
5 | Ford F-150 | $563 |
6 | Kia Sedona | $567 |
7 | Chevrolet Silverado | $567 |
8 | Ford Escape | $570 |
9 | Jeep Cherokee | $572 |
10 | Toyota Rav4 | $588 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 |
How do claims and violations impact my total cost?
Minor collisions, major accidents, several speeding tickets, DUI charges, or being part of a hit-and-run all affect your insurance premiums in the city. Below is a breakdown that demonstrates how insurance rates in Detroit may vary depending on typical claims and infractions, organized from the least to the most significant impact:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $588 | 0% |
Not at-fault Accident | $611 | +4% |
Driving with expired registration | $891 | +52% |
Speeding Ticket | $894 | +52% |
At-fault Accident | $904 | +54% |
Driving with a suspended license | $1020 | +73% |
Hit and Run | $1196 | +103% |
DUI | $1395 | +137% |
What car insurance discounts can I get in Detroit?
A range of discounts is available that can help lower your insurance costs in Detroit. Below are discount opportunities are listed from the most to least significant, aiding you in reducing your premiums:Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $507 | +$81 |
Multi-Policy Renters | $524 | +$64 |
Paid in Full | $548 | +$40 |
Low Mileage | $571 | +$17 |
Electronic Funds Transfer | $585 | +$3 |
Paperless | $587 | +$1 |
None | $588 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.